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Pengaruh Literasi Keuangan Dan Penyuluhan Terhadap Akses Kredit Mikro Formal Petani Sayuran Syafira Syafa’at, Iin Aulia; Nidar, Sulaeman Rahman
JURNAL MANAJEMEN PENDIDIKAN Vol 13, No 2 (2025): Jurnal Manajemen Pendidikan
Publisher : Universitas Pakuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jmp.v13i2.13119

Abstract

THE INFLUENCE OF FINANCIAL LITERACY AND EXTENSION PARTICIPATION ON FORMAL MICROCREDIT ACCESS AMONG VEGETABLE FARMERSThis study analyzes the influence of financial literacy and extension participation on access to formal microcredit among vegetable farmers in Cikidang Village, West Bandung Regency. Access to financing remains a major challenge for small-scale farmers in Indonesia, largely due to low financial literacy, limited knowledge of financing products, and minimal interaction with formal financial institutions. These conditions often reduce farmers’ confidence in applying for credit and hinder their ability to meet administrative requirements set by lenders. The research employed a quantitative method using questionnaires distributed to 127 farmers and logistic regression analysis. The findings indicate that both financial literacy and extension participation have a positive and significant effect on access to formal microcredit. The regression model explains 57.9% of the variation in credit access. A one-unit increase in financial literacy raises the likelihood of obtaining credit by 2.15 times, while participation in extension activities increases the likelihood by up to 29.76 times. These results emphasize that farmers with stronger financial understanding are better equipped to recognize the benefits of credit, manage risks, and complete required documentation. Likewise, extension activities enhance farmers’ knowledge of credit procedures, application steps, and strategies for using loans productively. Overall, improving financial literacy and strengthening extension participation are essential measures to enhance farmers’ access to formal microcredit services and support sustainable agricultural development.
The Effect of People's Business Credit Facility (KUR) and Financial Literacy on the Welfare of MSME Actors with Business Productivity as a Mediation Variable Pratomo, Tommy Wahyu; Nurprayasha, Veisya Afra; Nidar, Sulaeman Rahman; Sutisna, Sutisna
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 20, No. 2 : Al Qalam (In Progress March 2026)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v20i2.6438

Abstract

Based on data from the Ministry of Cooperatives and SMEs, the Micro, Small and Medium Enterprises (MSMEs) sector in Indonesia reached 64.2 million units and contributed 61.07% to the Gross Domestic Product (GDP). West Java Province ranks first with the largest number of MSMEs, including the Jatinangor area which is experiencing rapid growth of MSMEs along with its development as an educational area. However, most MSME players in this region face obstacles in business development due to low financial literacy and limited access to formal financing, such as the People's Business Credit (KUR). Bank Mandiri, as one of the largest KUR channeling banks, has developed digital innovations and strategic partnerships to increase the financial inclusion of MSME players. This study aims to analyse the effect of KUR facilities and financial literacy on the welfare of MSME actors, with business productivity as a mediating variable. The research method used is quantitative with a Partial Least Square - Structural Equation Modeling (PLS-SEM) approach. Based on the results of the analysis of data obtained from MSME actors in Jatinangor, it was found that KUR and financial literacy have a direct and significant effect on productivity and welfare. In addition, productivity is proven to mediate the relationship between the two variables and welfare. The results of this study suggest that strengthening access to financing and improving financial literacy are key strategies in encouraging the productivity and welfare of MSMEs in a sustainable manner, especially in semi-urban areas such as Jatinangor.
The Effect of Digital Marketing and Human Resource Competency on the Performance of Fashion SMEs in Bandung City with SME Empowerment Through SME Digitalization Training as a Moderating Variable Hutajulu, Yohana; Nidar, Sulaeman Rahman; Lusiana, Elnovani
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 20, No. 2 : Al Qalam (In Progress March 2026)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v20i2.6441

Abstract

This study aims to analyze the effect of digital marketing and human resource competencies on the performance of fashion MSMEs in Bandung City with MSME empowerment through MSME digitalization training as a moderating variable. A quantitative approach was used involving 160 respondents who are MSME players in the creative industry sector in the fashion sector registered at the West Java Province Cooperative and SME Office. The variables studied include digital marketing and human resource competencies as independent variables, MSME empowerment through MSME digitalization training as moderation, and MSME performance as the dependent variable. Data were collected through questionnaires and analyzed using the SEM-PLS (Structural Equation Modeling - Partial Least Squares) method. This study found that digital marketing can help improve the performance of MSMEs in the fashin sector in Bandung City, human resource competency variable as measured by skills, knowledge, abilities and education level can affect the performance of MSMEs in the fashin sector in Bandung City, MSME digitization training organized by the West Java Province Cooperative and SME Office can help fashion MSME entrepreneurs in Bandung City, and the effect of Human Resource Competencies on MSME Performance, the MSME Digitalization Training variable is not needed.
The Role of Agriculture Cooperatives for Farmer Empowerment: A Literature Review and Its Implications on Poverty Sari, Intan Mala; Nidar, Sulaeman Rahman; Komaladewi, Rita
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 20, No. 2 : Al Qalam (In Progress March 2026)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v20i2.6440

Abstract

This study examines the role of agricultural cooperatives in empowering farmers and alleviating poverty in rural areas. Despite their potential, cooperatives face several challenges that hinder their effectiveness, especially in developing countries. This study aims to evaluate the contributions of agricultural cooperatives in improving farmers' access to finance, technology, and markets, and how they support integration into modern agricultural systems. A literature review approach based on the PRISMA method and bibliometric analysis was employed, identifying 157 relevant articles published between 2005 and 2024. The findings reveal that agricultural cooperatives significantly reduce multidimensional poverty in countries like China and Tanzania by improving material and social well-being. However, challenges such as low organizational capacity, uneven benefit distribution, and inadequate policy support persist. The study also highlights gaps in adapting cooperative models to local socio-economic contexts. Future research should focus on adapting suitable technologies, strengthening partnerships with smallholder farmers, and evaluating the role of government policies in fostering cooperative ecosystems. This study offers insights into the potential of cooperatives.as a tool for economic empowerment and offers suggestions for future research on inclusive and sustainable rural development.